I am so excited to finally announce a blog series. The last one I did was way back May and I know it's time to create another one. To those who are visiting my blog for the first time, the SavingsPinay Series is created for in-depth look/thorough explanation of a particular subject or topic.

Then I created the 14 Day Productive Living Series which has a summarized version HERE. I also did a Job Interview Series which surprised me with a lot of views from SavingsPinay Readers.

Getting feedback, email and even private messages in Facebook led me to pursue yet another SavingsPinay Series.

Enter: Ayoko sa Utang! 5 Days to be Debt-Free At Last

What is this series anyway?

Ayoko sa Utang! 5 Days to be Debt-Free At Last is a five day-long series that will tackle the topic of Debt or Utang. Here I will give actionable items and key points on how you can finally manage to payoff your morgage and not be in a financial loop hole.

Who is this SavingsPinay Series for?

This Series is for

People who are struggling with their debt

People who inherited unwanted debt from their parents or siblings

People who have just gotten in financial debt

What Will You Learn?

Day 1 (Monday) : "Gaano Kalaki ang Utang Mo?"

In Day 1 we will Identify How Much Your Debt is. We will evaluate your debt whether it is a "good" debt or a "bad" debt. Just as how I give emphasis on knowing your Financial Net Worth as a primer to building financial freedom, I know exactly how determining how much your real debt is the first step to becoming debt-free. I will also share a concept called Debt-to-income Ratio that I learned through website http://www.clearpointcreditcounselingsolutions.org/ which assess the level of debt that is manageable for the income you have.

Day 2 (Tuesday) : " 25 na Paraan Para Makapagbayad Ka Sa Utang"

I understand people who will tell me that how desperate they are to get out of debt but just don't know where and how to start. I pray that this series will help you. For Day 2 I will give 25 Ways To Pay Off Your Debt. These are sure ways with added tips and tricks that will truly be of aid.

Day 3 (Wednesday) : "Organisadong Pagbabayad ng Utang"

Almost everyday at work I have a list of To-Do's and I find it hard to work dahil sobrang daming kalat. Just like what I share in IzzaGlino, I am very disorganized. Gusto ko nakikita ko lahat ng dapat kong gawin. However, being disorganized as you pay debt is not good. Dapat well-planned lahat and well-organized even where your bills are and the visual representation of your strategy to be debt-free. I prepared a lot of templates for this day so better check it out. I will give them for FREEpara sa lahat ng nasa mailing list ko. So better SIGN-UP!!!

Day 4 (Thursday) : "Tamang Pagkausap sa Pinagkaka-Utangan"

On Day 4 I will give tips and suggestions on how you can communicate to people you are in debt with. From what to say to your bank to what to your family member - lahat yan ituturo ko. Don't be afraid to communicate and negotiate with your creditor. May lakas ka ng loob na mangutang, dapat mas malakas ang loob mo na magbayad.

Day 5 (Friday) : "May Forever sa Pagiging Debt-Free"

Sa last na installment of this weekly series I will give lasting habits that will make you at peace and find financial stability. The goal is be debt-free at last and not just temporarily but forever. Living in "bad" debt is frustrating. You will continue to be "one-step-forward-two-steps-back" situation.

So let's move forward together. Ok?

JOIN ME!!!

This weekly series will start on Monday, October 19 to Friday, October 23. On Saturday I will have a post-summary and will give links to more informative posts you can read para mas madami ang learning.

I hope you will look forward for this SavingsPinay Series. Comment below if you are excited!

WARNING: This series doesn't guarantee true success unless YOU ACT ON IT.

I hope you liked this post. Don't forget to do any of the following:

Follow the SavingsPinay FB Group and joing the conversation at : SavingsPinay

The end of the year is fast approaching. It is literally two months and a half before a new year begins. Sometimes I wonder where did the days go. It seems like the older you get the faster the months go by. There are several things that I want to do and to accomplish before the year ends and I wanted to share everything to you guys so we can be accountability partners. I have no idea if I can do it but with God I know that nothing is impossible. Treat below list as a little bucket list for 2015.

I was browsing my post statistics last night when I noticed that my PNB UITF First Impression post is performing pretty well. It consistently becomes part of my popular posts week by week. This gave me an idea that more readers nowadays are looking for reviews on products they can possibly invest with.

So today I will be reviewing the UITF of a bank that had undergone some rebranding. I always see this bank's branch at Makati Med so I research more and found some interesting facts and figures. Hope you'll enjoy this post about Security Bank's Unit Investment Fund.

Quick Review

Before I continue in giving information about Security Bank's UITF, I first like to review some terms to you. Feel free to check the following links so you'll have a little background.

Budgeting is such a classic financial term that everyone should and must know of. And don't just become aware of what’s and how's of budgeting but totally commit to it. A budget can make you avoid the debt and financial traps.

It can also guarantee that you are saving on a regular basis. You will also find out your money's worth...where it goes and how come at the end of the month you are left with just a tiny amount. (I hope that's not the case).

I want to be honest that I, too, fail in living my life intentionally. It feels like day to day challenge being able to lie up to the expectation of others. You wanted to be the productive you but the more you show that you can succeed in a task, the more people in your surround will depend on you.

But instead of "magmukmok" in the sad reality of being an employee, encourage everyone to be a better version of themselves everyday. Survive each new day by making the most of it.

I would like to share the 10 Ways to Make the Most of Your Time that I try to accomplish as much as possible. Hope you can join me in this journey to productive living.

I still can't believe that September is over. We are almost near the start of a new year. It makes me nervous and excited at the same time ending the current year and looking forward for 2016.

Today's post is my Monthly Quick Recap about SavingsPinay. I was able to publish fewer blog posts and I am so sorry for missing blogging on a daily basis. I know saying "busy" isn't a favorable excuse but I am trying my hardest to publish something for you guys.

Thank you for still supporting SavingsPinay all though my blogging journey. Also, thank you for your support to my newest blog PinayOnlineRakitera. I am seeing greater number of views day by day. Below are the posts I have already published that you might be interested about:

Isn't it amazing how month by month you prove that SavingsPinay is a helpful source of financial information through your visits? Getting 80,000 pageviews is just an amazing and humbling experience. I know that my Christmas wish of hitting 100,000 before 2015 ends is more and more possible. A huge thank you. I do hope that you join SavingsPinay's FB Group and enjoy the forum which I plan to activate this month. Just click Join and enjoy bits of information from SavingsPinay.

2. Hiatus on my Freelance Writing Gigs

I stopped getting freelance writing gigs this September because of too much workload from my day job. I just can't handle everything and I don't want to suffer the quality of the content that I write. And since one of my additional income stream stopped, I have to really watch my cash flow. I am learning how to save money even better. I might also an in and out expense logger. I also have to prepare since the holiday season will begin. I want to buy good gifts to the people I love.

3. SavingsPinay Facebook Group

Again I'd like to invite you to join SavingsPinay's Facebook Group. I want to activate the group for October and create meaningful conversations to you guys.

Welcome to SavingsPinay!

A Personal Finance Blog of a Common Pinay. Here you'll find tips and lessons on budget, savings, investment, career and entrepreneurship. Set to be the #1 Personal Finance Blog in the Philippines, SavingsPinay guarantees quality posts every Monday, Wednesday, Friday and Saturday!

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ABOUT THIS BLOG

SavingsPinay is a personal finance blog of a common Pinay. Here you'll find tips and lessons on budget, savings, investment, career and entrepreneurship. Set to be the #1 Personal Finance Blog in the Philippines, SavingsPinay guarantees quality posts every Monday, Wednesday, Friday and Saturday! For inquiries email at izzaglinofull@gmail.com